ICICI Amazon Pay Review 2026
Last reviewed:
Quick verdict
The undisputed king of no-fee credit cards in India. If you are an Amazon Prime member, the 5% cashback is straightforward and uncapped. Zero annual fee means there is almost no reason not to have this card in your wallet, even as a secondary option for Amazon purchases.
Pros
- Lifetime free — no joining or annual fee
- Welcome benefit: ₹500 Amazon Pay cashback
- Accessible eligibility — minimum income around ₹15,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.40% per month (40.80% p.a.) if you carry a balance
Key benefits
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
- 1% cashback on all other payments
Fees & charges at a glance
| Joining Fee | Nil |
|---|---|
| Annual Fee | Lifetime Free |
| Rewards | 5% cashback for Amazon Prime members |
| Welcome Benefit | ₹500 Amazon Pay cashback |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹15,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The ICICI Amazon Pay is best suited for everyday amazon spends. It is a cashback card on the Visa network, and ICICI Bank generally looks for a minimum income of ₹15,000/month. If your spending matches its reward categories (5% cashback for amazon prime members), the card can pay for its annual fee of Lifetime Free. If not, a lifetime-free card may give you better net value.
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ICICI Amazon Pay: frequently asked questions
What is the annual fee of the ICICI Amazon Pay?
The ICICI Amazon Pay has a joining fee of Nil and an annual fee of Lifetime Free. Since it is lifetime free, you never pay a renewal fee.
What rewards does the ICICI Amazon Pay give?
5% cashback for Amazon Prime members. No joining or annual fee ever. 3% cashback for non-prime members.
Does the ICICI Amazon Pay offer airport lounge access?
No. The ICICI Amazon Pay does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the ICICI Amazon Pay?
ICICI Bank typically requires a minimum income of ₹15,000/month for the ICICI Amazon Pay, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the ICICI Amazon Pay?
The ICICI Amazon Pay charges 3.40% per month (40.80% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the ICICI Amazon Pay?
The foreign currency markup on the ICICI Amazon Pay is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the ICICI Amazon Pay to UPI?
No. The ICICI Amazon Pay runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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